Someone I know had a student loan. Its been well over 7 years since they got this loan. Its not showing up on the 1 credit report they sent off for. Has it left? Is this a good thing or bad thing? Can you raise your credit after all debt has fallen off your credit?
Only if it is paid off. Otherwise, it will remain on ones credit report forever or until paid. Student loans are not reported like regular loans and there is no limitations on reporting periods as per the FCRA.
Also it may be listed on one of the other 2 reports.
Hope this helps answer your question